We employ 2011–2014 panel data of eleven villages in Cambodia to investigate the impact of microcredit access on paddy quantity and income, expenditure on inputs of paddy production, and self-employment income. The panel data enables us to implement difference-in-differences and triple differences estimators. We find that credit participants experience a 26.1% increase in paddy income, a 68.9% in paddy quantity and a 26.5% in expenditure on inputs of paddy production. Poorer households benefit more from credit participation. Participants also experience increased non-land durable assets relative to those of non-participants, particularly agricultural assets. We find weak evidence that women participants benefit more from credit program than male counterparts. Although women are more likely to start self-employment activities with loans—mainly in the informal sector—the income gains are not statistically different from zero relative to what men earn. Keywords: multiple-source borrowing, microcredit, Cambodia, formal and informal
Project leader: Vathana Roth
No journal publications.
|The dynamics of microcredit borrowings in Cambodia||2017-03-24||2.32MB||0||0|
|Impact of microcredit borrowing on wellbeing in Cambodia||2017-02-18||423.21kB||0||0|
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